There are 508,732 beneficiaries enrolled in Original Medicare in Portland, Oregon, with Medicare Part A and B. Among them, 57.5% participate in a Medicare Advantage plan, well over the national average of 42.1%.

Medicare plans in Portland, Oregon

Supplemental Medicare plans, like Medicare Advantage plans, give enrollees healthcare benefits not included in Oregon’s Original Medicare Part A and Part B.

There are four main types of Supplemental Medicare plans. Medicare Advantage, Supplement Plans, Part D plans, and SNPs.

The costs for each plan vary with each provider and location, but we’ll look at the average rates for a typical 70-year-old male Portland resident in the charts below.

Medicare Advantage plans

Multnomah County has the most Medicare Advantage options in the state. Medicare beneficiaries looking for quality Portland, Oregon Medicare Advantage plan coverage have 45 different plans.

The most affordable HMO Medicare Advantage plan in Portland comes from Regence, with a $0 monthly premium and a low $3,400 maximum out-of-pocket (MOOP) cost. Humana offers another affordable HMO Medicare Advantage plan with another $0 monthly premium and a meager $5,700 MOOP.

Providence’s low-cost HMO Medicare Advantage plan is another quality option for Portland, Oregon, Medicare enrollees looking to expand their health coverage. It has a $0 monthly premium and a $5,500 MOOP.

The average cost of Medicare Advantage plans in Portland, Oregon

PLAN PREMIUM MOOP Plan Type Star Rating
FamilyCare $0 $6,700 HMO N/A
Humana $0 $5,700 HMO N/A
Providence $0 $5,500 HMO N/A
Health Net $0 $3,950 HMO N/A
Regence $0 $3,400 HMO N/A

Medicare Supplement plans

Medicare Supplement plans, commonly called Medigap plans, are optional Medicare packages that cover what Original Medicare doesn’t.

The primary benefit of Medigap plans is that the benefits for each letter plan remain the same, no matter where you live or what carrier you receive coverage from. However, the monthly premium will vary depending on factors such as location and medical history.

Plan F is the most popular Portland, Oregon Medicare Supplement plan and the most enrolled-in Medigap policy nationwide. It has more coverage than other Medigap options but costs the most on average, with expected monthly premiums ranging from $187.17 to $438.67.

Many Portland Medicare beneficiaries want the benefits of Plan F without the high premiums and enroll in High Deductible Plan F (HDF) as a middle ground. Enrollees pay an annual deductible as high as $2,500 for far cheaper premiums, ranging from $40 to $124.62 per month.

Plan G is another popular option in Portland. It provides nearly as much coverage as Plan F, but the average monthly premium payments range from $133.28 to $372.85.

The average cost of Medicare Supplement plans in Portland, Oregon

PLAN A $113.74 $399.76
PLAN B $183.92 $344.87
PLAN C $212.40 $398.00
PLAN D $180.12 $312.55
PLAN F $187.17 $438.67
PLAN HDF $40.00 $124.62
PLAN G $133.28 $372.85
PLAN HDG $40.00 $61.32
PLAN K $57.29 $137.00
PLAN L $111.46 $243.15
PLAN M $192.50 $283.46
PLAN N $127.43 $301.48

Medicare Part D prescription drug plans

Portland, Oregon Medicare Part D plans cover prescription medications. They are highly sought-after supplemental Medicare plans since only a handful of Medicare Advantage policies cover prescription medicines, and Medigap plans don’t offer drug coverage.

Aetna’s $7.70 premium Medicare Part D plan is one of the most popular in Portland, Oregon. It has a $480 deductible and a three-star rating on a five-star scale that measures a plan’s overall effectiveness.

Wellcare’s low-cost Part D plan is another popular option. It also has a three-star rating and a $480 deductible but a slightly higher monthly premium of $11.60.

Humana’s Part D plan is one of the highest-rated in Portland, Oregon. It does have a $480 deductible and an average $22.70 monthly premium, but it also has a high four-star rating.

The average cost of Medicare Part D plans in Portland, Oregon

Aetna $7.70 $480 3
Wellcare $11.60 $480 3
Clear Spring Health $16.20 $480 2
Elixir Insurance $20.30 $480 3
Humana $22.70 $480 4

Special Needs Plans

Special Needs plans (SNPs) are a subset of Medicare Advantage available for enrollees with specialized medical needs and chronic disabilities. However, SNPs are only available in certain areas.

One of the most affordable Medicare SNPs comes from Pacificsource. It’s a dual-eligibility HMO plan with a $0 premium and a $6,700 MOOP.

United Healthcare also has an affordable plan with a less favorable $35 premium but one of the lowest MOOP costs at $750.

CareOregon has a unique SNP with a $40.50 monthly premium and a $3,400 MOOP, but it stands out as one of the few HMO-POS plan types in Portland.

The average cost of Medicare Special Needs plans in Portland, Oregon

PLAN PREMIUM MOOP Plan Type Eligibility
Pacificsource $0 $6,700 HMO Dual
UnitedHealthcare $4.20 $7,550 LOCAL PPO Chronic/Disabling
UnitedHealthcare $35.00 $750 LOCAL PPO Institutional
Ageright $40.50 $6,500 HMO Institutional
CareOregon $40.50 $3,400 HMO-POS Dual

How to sign up for Medicare plans in Portland sorts through the weeds of finding a quality supplemental Portland, Oregon Medicare plan for you by comparing rates and packages from all Portland providers for free. Call or complete our online form to get rates today.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.